Thank you.
I have a couple of quick questions.
You had mentioned the rating agencies earlier, talking about going forward and how perhaps we should be raising some alarm bells if one rating agency should rate a certain product but others refused to. Then you suggested in your testimony that this had happened here recently, where two had rated, but others refused to or hadn't rated the same way, and it raised alarm bells.
Going backwards over the 17 years, has there been a situation where we've had rating agencies rate to that extreme and not had any complications of any kind? Can you think of any others?